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Policy Details:
CGL operates as a combination of Public Liability and Product Liability policies and also offers various supplementary covers.
Highlights
To protect an insured’s liability to third party, arising from accidents on the insured’s premises or from the non-professional acts of the insured resulting in bodily injury, property damage or personal and advertising injury
Who can take the policy?
A) Manufacturing/Industrial premises/Godowns/Warehouses
BPO, Hotels and the like
Add-ons/Extensions:
Medical Expenses
Fire Damage Liability
AOG Perils
Product Recall Expenses
Special Conditions:
1. Claims Made Policy: The actual claim must be made within the Policy
Period and the occurrence of the loss cannot have happened before
Retroactive Date
2. Territory and Jurisdiction for the purpose of the Policy will be defined in
the Policy
3. Amount expended by Insurer in the defiance, settlement etc., will
reduce the limits of indemnity under the policy
Pre-Acceptance Requirements:
Duly filled CGL and Product Recall Proposal form
Any other information required by the company
Covered[B]
Insured’s Liability to Third Party due to an accident causing Bodily Injury, Property Damage arising from
Premises Operations - Manufacturing operations
72 Hrs Sudden and Accidental Pollution
Transportation
Products and Completed operations
[B]Advertising and Personal injury - False arrest, detention or imprisonment, malicious prosecution, the wrongful eviction or wrongful entry, defamation libel or slander including product disparagement.
Exclusions
Contractual liability when liability is assumed by contract (other than covered contracts), or liability the insured would have had whether or not there was a contract
Liquor liability for that insured whose business is to manufacture, distribute, sell, service, or furnish alcohol
Workers compensation and employer’s liability
Sudden Pollution
Liability from the ownership, use, or maintenance of an aircraft, auto or watercraft
War and Allied Perils
Nuclear Liability
Fines and Penalties
Government or Regulatory orders
Product Inefficacy
Product Integrity Impairment
